Reliance Home Finance
Financial Services
RHFL NSE
₹1.38 No trade today
- P/E
- Not meaningful: last twelve months’ earnings are mostly a one-off item
Close 4 Nov 2026 ₹1.38 −1.81 −56.7% 1Y
Start ₹3.19
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · TTM
- ROCE
- Not meaningful: the figure is far outside this ratio’s usual range, as its base is close to zero
- Debt to Equity
- Not meaningful: shareholders’ equity is negative
- EPS (TTM)
- ₹0.50
- Book Value
- −₹1.09
- Market Cap
- —
- P/E (TTM)
- Not meaningful: last twelve months’ earnings are mostly a one-off item
- P/B
- Not meaningful: book value is negative
- ROE
- Not meaningful: shareholders’ equity is negative
- Dividend Yield
- 0.00%
- EBITDA
- ₹9,324 Cr
- 52W High
- ₹3.70
- 52W Low
- ₹1.11
- Volume
- 0
Peer Comparison
Financial Services › Housing Finance › Housing Finance Company
| ₹81.42 | 25.21 | ₹65,542 Cr | 2.82 | 0.00% | 12.10% | — | ₹11,604 Cr | ₹2,692 Cr | |
| ₹1,946.20 | — | ₹45,625 Cr | 1.49 | 0.58% | 0.86% | 6.47% | ₹13,357 Cr | ₹1,909 Cr | |
| ₹520.00 | 4.98 | ₹28,072 Cr | 0.65 | 1.98% | 14.40% | — | ₹28,562 Cr | ₹5,739 Cr | |
| ₹1,082.00 | 11.99 | ₹28,029 Cr | 1.39 | 0.75% | 12.90% | — | ₹8,700 Cr | ₹2,350 Cr | |
| ₹431.20 | 16.44 | ₹18,689 Cr | 2.52 | 0.00% | 15.90% | — | ₹3,817 Cr | ₹1,140 Cr | |
| ₹125.98 | — | ₹14,065 Cr | 0.82 | 1.67% | −3.21% | — | ₹7,418 Cr | −₹7,236 Cr | |
| ₹1,082.30 | 19.38 | ₹11,147 Cr | 2.43 | 0.49% | 15.70% | — | ₹1,999 Cr | ₹581 Cr | |
| Reliance Home Finance (this company) | ₹1.38 | — | ₹67 Cr | — | 0.00% | — | — | ₹29 Cr | ₹24 Cr |
| Median 8 companies | ₹475.60 | 16.44 | ₹23,359 Cr | 1.49 | 0.53% | 12.90% | 6.47% | ₹8,059 Cr | ₹1,525 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
40 Weak
Data confidence 91/100
surveillance:GSM
Category scores
- Quality
- 37
- Weak
- Returns, margins, earnings quality 22% weight
- Valuation
- 79
- Strong
- Cheap vs sector & own history 24% weight
- Growth
- 15
- Poor
- Sales & profit trajectory 9% weight
- Financial Health
- 99
- Strong
- Solvency, leverage, coverage 9% weight
- Momentum
- 9
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
Capped: a governance trigger overrides the
fundamentals here (surveillance:GSM ≤ 40).
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
1- Company has reduced debt.
Weaknesses
3- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -83.1% over past five years.
- Promoter holding is low: 0.74%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 10 | 5 | 4 |
| Oscillators | Neutral | 2 | 5 | 2 |
| Moving Averages | Strong Bearish | 8 | 0 | 2 |
Oscillators
Neutral
Bearish
2
Neutral
5
Bullish
2
Overall
Strong Bearish
Bearish
10
Neutral
5
Bullish
4
Moving Averages
Strong Bearish
Bearish
8
Neutral
0
Bullish
2
Key readings
- RSI (14)
- 43.31
- Neutral
- MACD (12,26,9)
- −0.08
- Bullish
- SMA (50)
- 1.62
- Bearish
- SMA (200)
- 2.17
- Bearish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2025; 1Y: fiscal year to Mar 2025 against Mar 2024.
Revenue
| 10Y | −100.00% |
|---|---|
| 5Y | −100.00% |
| 3Y | −100.00% |
| 1Y | −100.00% |
Net profit
| 10Y | −10.02% |
|---|---|
| 5Y | Turned to profit |
| 3Y | Turned to profit |
| 1Y | Turned to profit |
Operating cash flow
| 10Y | Turned positive |
|---|---|
| 5Y | −71.41% |
| 3Y | Turned positive |
| 1Y | Turned positive |
Operating margin· change in pp
| 10Y | No sales |
|---|---|
| 5Y | No sales |
| 3Y | Tiny sales |
| 1Y | No sales |
Trailing twelve months: The latest quarterly results are more than a year old.
Revenue by year
| Mar 2016 | ₹815 Cr |
|---|---|
| Mar 2017 | ₹1,114 Cr |
| Mar 2018 | ₹1,683 Cr |
| Mar 2019 | ₹2,000 Cr |
| Mar 2020 | ₹1,600 Cr |
| Mar 2021 | ₹840 Cr |
| Mar 2022 | ₹293 Cr |
| Mar 2023 | ₹391 Cr |
| Mar 2024 | ₹1.00 Cr |
| Mar 2025 | ₹0.00 Cr |
Net profit by year
| Mar 2016 | ₹87.00 Cr |
|---|---|
| Mar 2017 | ₹173 Cr |
| Mar 2018 | ₹167 Cr |
| Mar 2019 | ₹67.00 Cr |
| Mar 2020 | −₹375 Cr |
| Mar 2021 | −₹1,520 Cr |
| Mar 2022 | −₹5,440 Cr |
| Mar 2023 | ₹5,419 Cr |
| Mar 2024 | −₹4.00 Cr |
| Mar 2025 | ₹24.00 Cr |
Quarterly Results
₹ CrResults for the period ended Jun 2025 were due by 14 Aug 2025 and are not in this table yet.
| Particulars | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15.88 | 93.63 | 72.27 | 141 | 75.5 | 0.12 | 0.16 | 0.16 | 0.18 | 0.18 | 0.02 | 0.02 | 0 |
| Expenses | 6,068 | 44.76 | 44.91 | 16.24 | −9,060 | −6.05 | 0.82 | 2.72 | 5.48 | 0.28 | 0.4 | 2.23 | 0.53 |
| Operating Profit | −6,052 | 48.87 | 27.36 | 125 | 9,135 | 6.17 | −0.66 | −2.56 | −5.3 | −0.1 | −0.38 | −2.21 | −0.53 |
| OPM % | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | 52.19% | 37.86% | 88.46% | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | −412.5% | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | −55.56% | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | — |
| Other Income | 0.47 | 0.13 | 6.02 | −0.05 | −274 | 0.26 | 0 | 0 | 0 | 0 | 27.89 | 0.34 | 0 |
| Interest | 311 | 252 | 272 | 267 | −759 | 0 | 0 | 0 | 1.45 | 0.34 | 0.29 | 0.11 | 0.16 |
| Depreciation | 210 | 0.51 | 0.49 | 21.25 | 0.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | −6,573 | −203 | −239 | −163 | 9,620 | 6.43 | −0.66 | −2.56 | −6.75 | −0.44 | 27.22 | −1.98 | −0.69 |
| Tax % | −31.2% | −31.2% | −31.2% | 52.53% | 37.92% | 0% | 0% | 0% | 0% | 0% | 0% | −3.54% | 0% |
| Net Profit | −4,522 | −140 | −165 | −249 | 5,972 | 6.43 | −0.66 | −2.56 | −6.75 | −0.44 | 27.22 | −1.92 | −0.69 |
| EPS (₹) | −93.23 | −2.88 | −3.39 | −5.14 | 123 | 0.13 | −0.01 | −0.05 | −0.14 | −0.01 | 0.56 | −0.04 | −0.01 |
Profit & Loss
₹ Cr| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 429 | 512 | 815 | 1,114 | 1,683 | 2,000 | 1,600 | 840 | 293 | 391 | 1 | 0 |
| Expenses | 86 | 90 | 142 | 235 | 373 | 575 | 829 | 1,920 | 6,802 | −8,933 | 3 | 3 |
| Operating Profit | 342 | 423 | 673 | 879 | 1,311 | 1,425 | 771 | −1,081 | −6,509 | 9,324 | −2 | −3 |
| OPM % | 80% | 82% | 83% | 79% | 78% | 71% | 48% | −129% | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | −381% | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. |
| Other Income | 1 | 0 | 0 | 15 | 0 | 2 | 2 | 0 | 0 | −277 | 0 | 28 |
| Interest | 277 | 317 | 536 | 749 | 1,062 | 1,323 | 1,337 | 1,220 | 1,185 | 32 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 7 | 2 | 3 | 4 | 3 | 212 | 2 | 0 | 0 |
| PBT | 66 | 106 | 137 | 138 | 247 | 102 | −567 | −2,303 | −7,906 | 9,014 | −4 | 24 |
| Tax % | 34% | 35% | 37% | −25% | 32% | 34% | −34% | −34% | −31% | 40% | 0% | 0% |
| Net Profit | 43 | 69 | 87 | 173 | 167 | 67 | −375 | −1,520 | −5,440 | 5,419 | −4 | 24 |
| EPS (₹) | 6.59 | 10.49 | 13.18 | 14.9 | 3.45 | 1.39 | −7.74 | −31.33 | −112 | 112 | −0.07 | 0.5 |
| Div. Payout % | 0% | 0% | 0% | 3% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
₹ Cr| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 66 | 66 | 66 | 116 | 485 | 485 | 485 | 485 | 485 | 485 | 485 | 485 |
| Reserves | 398 | 468 | 554 | 1,014 | 1,339 | 1,357 | 982 | −538 | −5,977 | −559 | −562 | −538 |
| Borrowings | 2,377 | 3,640 | 6,548 | 9,670 | 13,136 | 15,699 | 13,235 | 12,976 | 12,714 | 87 | 91 | 40 |
| Other Liabilities | 904 | 1,385 | 525 | 547 | 447 | 585 | 1,027 | 1,975 | 2,922 | 22 | 16 | 14 |
| Total Liabilities | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
| Fixed Assets | 0 | 39 | 44 | 68 | 264 | 266 | 262 | 259 | 48 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Investments | 320 | 0 | 80 | 508 | 54 | 93 | 951 | 1,007 | 161 | 0 | 0 | 0 |
| Other Assets | 3,425 | 5,518 | 7,569 | 10,771 | 15,087 | 17,766 | 14,516 | 13,631 | 9,936 | 35 | 30 | 2 |
| Total Assets | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
Cash Flow
₹ Cr| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 412 | −179 | 433 | −3,296 | −3,507 | −1,189 | 4,713 | 3,068 | −597 | 4,103 | −22 | 9 |
| Investing | −282 | 293 | −72 | −355 | 496 | −55 | −856 | −1,560 | 848 | −105 | 1 | 0 |
| Financing | 0 | 0 | 0 | 3,227 | 2,818 | 1,291 | −3,927 | −1,374 | −367 | −4,035 | 4 | −9 |
| Net Cash Flow | 130 | 114 | 362 | −425 | −194 | 47 | −70 | 135 | −116 | −37 | −17 | 0 |
| Free Cash Flow | 412 | −219 | 433 | −3,294 | −3,508 | −1,194 | 4,714 | 3,072 | −598 | 4,145 | −22 | 9 |
| CFO/EBITDA | 122 | −37 | 69 | −372 | −265 | −81 | 614 | −284 | 9 | 44 | 997 | −279 |
Ratios
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Working Capital Days | −491 | −1,002 | −705 | −590 | −138 | −94 | −253 | −682 | −3,301 | −4 | 224 | — |
| ROCE % | 13% | 12% | 12% | 10% | 10% | 9% | 5% | −8% | −67% | 258% | −17% | −432% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Reliance Home Finance insights
41 extracted metrics across FY14–FY25.
Documents
- 16 Feb 2026
- 28 Oct 2025
- 19 Feb 2025
- 10 Jan 2025
- 10 Jan 2025
- General announcements 23 Sep 2026
- General announcements 17 Sep 2026
- General announcements 10 Aug 2026
- General announcements 4 Aug 2026
- General announcements 17 Jul 2026
Frequently Asked Questions about Reliance Home Finance
What does Reliance Home Finance Ltd do?
Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business
Where is Reliance Home Finance Ltd (RHFL) listed?
Reliance Home Finance Ltd trades as RHFL on the NSE and under code 540709 on the BSE.
Which sector does Reliance Home Finance Ltd belong to?
Reliance Home Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the 52-week high and low of Reliance Home Finance Ltd?
Over the last 52 weeks Reliance Home Finance Ltd has traded between ₹1.11 and ₹3.7 as of 4 Nov 2026.
Company Information
Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business
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